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Community and Institutional Response to COVID-19 in India: Role of Women’s SHG and DAY-NRLM

The women’s Self-Help Group (SHG) network promoted under the Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) assumed particular significance during COVID-19 given its tremendous outreach in rural areas, and the trust, social capital and networks enjoyed by women’s institutional platforms of the poor. Women’s SHGs of DAY-NRLM emerged as pivotal actors, leading from the front in crisis response. The COVID-19 pandemic has served as a trigger mobilising SHG women to come together to transcend their group identity and contribute through collective action towards crisis management, including helping those in need – thus demonstrating the transformational potential of women’s collectives. As the pandemic and its impacts continue unabated, this juncture can provide the women’s SHG movement in India the unique opportunity to define agendas and priorities that are most relevant to them during the recovery phase. DAY-NRLM can act as a critically important facilitation agency in ensuring this objective in the challenging times ahead.

With the objective of recognising the work undertaken by women’s SHGs, and highlighting their indispensable economic and social contribution, the report summarises good practices, strategies and innovations that were spearheaded by SHGs in collaboration with State Rural Livelihoods Missions during the pandemic. This report highlights that economic and social action unleashed by women’s SHGs coupled with existing institutional investments, mechanisms and collaborations forged by DAY-NRLM and SRLMs can help in developing decentralised, participatory and context-specific local solutions amid any crisis.

The Future of Work for Women Workers

World over, the technology-driven gig economy has been expanding rapidly over the past decade, in which digital platforms connect ‘workers’ with ‘requesters’ to facilitate on demand work. While the gig economy has also become a buzzword in India, particularly in the last couple of years, and is attracting millennials by offering alternative employment opportunities. However, literature is scanty when it comes to measuring its impacts on the gendered experiences of gig work or on gig workers.

This report aims to provide a comprehensive analytical overview of women’s engagement in platform work, and presents findings from an in-depth study of women’s work in one of India’s leading platform companies. It aims to understand the emerging forms of labour practices and the impact of platform engagement on workers’ experiences, challenges, and impact on women’s empowerment and agency. The findings are based on interviews with workers, platform managers, and other key informants, and comprehensive literature review. The study presents an in-depth and specialised analysis of the gig economy to explain some of the unique features of the labour practices and consequences of such practices on the overall labour relations. The study also makes specific recommendations and argue that policy makers and platforms have a key role in ensuring access to decent work and social protection for these workers.

 

Voices from the Field

With approximately 67 million women mobilised into Self-Help Groups and federations, owned and represented by women, the Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM) holds great promise for advancing women’s socio-economic empowerment and offering them resilience in times of crises such as the current pandemic. SHG federations across India not only offer means for many poor women to build sustainable households, but are also platforms for them to seek support, including financial, social and psychological support that they derive by associating themselves with others who are like them.

Stories from the ground during India’s lockdown phase are suggesting that Self Help Groups (SHGs) of women are being involved by state governments in the fight against COVID-19. SHGs across India have worked day and night to manufacture masks, run community kitchens and assist in health checks. They have helped spread awareness about the virus in the local language and in a culturally-sensitive manner within their communities. Yet, SHGs and their members have been impacted both socially and economically, with many reporting intensive losses to their work and livelihoods, increased drudgery and unpaid work burden and rising incidence of domestic violence. In line with IWWAGE’s core mandate of informing the policy agenda on women’s economic empowerment in India, this report presents a summary of insights gained from recent research and conversations around women’s empowerment collectives (WECs) and how women are dealing with the pandemic and lockdown in India. The report attempts to summarise the challenges women and their collectives are facing during the lockdown and concludes with a series of recommendations.

Empowering Women Collectives through Digital Initiatives in Chhattisgarh

Digital tools offer immense potential for accelerating women’s empowerment, enhancing the impact of ongoing initiatives, and providing women with new avenues to improve knowledge and share information. Over the past year, the Initiative of What Works to Advance Women and Girls in the Economy (IWWAGE), part of LEAD at Krea University, has been collaborating with the Government of Chhattisgarh and other partners to map existing digitisation initiatives aimed at empowering women in the state, evaluate their effectiveness, and explore opportunities for improvement.

Many of these initiatives are centred around Self-Help Groups (SHGs), which play a key role in empowering women through social mobilisation and financial inclusion. In Chhattisgarh, the SHG ecosystem is managed by the state chapter of the Deendayal Antyodaya Yojana-National Rural Livelihood Mission (DAY-NRLM), known locally as Bihan. Established in 2012, Bihan serves as a Self-Help Promoting Agency (SHPA), working to strengthen women’s collectives by improving financial and market linkages, promoting access to entitlements, and providing capacity-building support. Additionally, non-governmental SHPAs like PRADAN are active in supporting women’s empowerment in the state.

IWWAGE is supporting Bihan’s efforts to enhance the SHG ecosystem by promoting and testing digital solutions that enable women’s collectives to access markets and services more effectively. This initiative focuses on summarising the current digitisation efforts, identifying existing gaps and barriers, and proposing innovative use cases to further drive women’s empowerment in Chhattisgarh.

Digitisation of Self-Help Groups in India

Self Help Groups (SHGs) have become essential for empowering women in India. Digitisation of SHG processes can streamline operations, addressing challenges like inefficient monitoring, data fragmentation, and capacity-building gaps. The Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM) and its state chapters have made significant progress in this area.

This report provides an assessment and roadmap for State Rural Livelihoods Missions (SRLMs) to digitise SHG processes effectively. It highlights current initiatives, identifies gaps, and suggests ways to address them. While Management Information Systems (MIS) have been digitised to some extent, many SRLMs face challenges such as resource shortages and limited IT capabilities, which hinder progress. Additionally, SHGs often lack clarity on the benefits of digitisation, leading to low community ownership.

Most programmes rely on manual data entry, with few using digital tools at the ground level. SHG members and stakeholders beyond SRLMs and banks have limited access to the data. Improved data quality and use are essential for better financial outcomes for SHGs.

Digital linkages for livelihoods and markets are underdeveloped, with innovations remaining small and context-dependent. Additionally, digital platforms for learning are underutilised due to limited smartphone and internet access in rural areas.

The success of digitisation initiatives depends on partnerships between implementing agencies and Technology Service Providers (TSPs). Flexible models, like those seen in Andhra Pradesh and Jharkhand, offer promising examples for the future.

Addressing these challenges will be crucial for the long-term success and sustainability of SHG digitisation efforts.